The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$40,543
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,804
−HK$1,282/mo
Today · 4.125%
HK$43,086
baseline
▲ 0.50% · 4.625%
HK$45,707
+HK$2,621/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,172/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,104
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,313
−HK$1,228/mo
Today · 4.125%
HK$47,541
baseline
▲ 0.50% · 4.625%
HK$50,047
+HK$2,506/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,082/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,652
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,165
−HK$1,538/mo
Today · 4.125%
HK$51,703
baseline
▲ 0.50% · 4.625%
HK$54,849
+HK$3,146/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$103,406/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,125
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,576
−HK$1,473/mo
Today · 4.125%
HK$57,049
baseline
▲ 0.50% · 4.625%
HK$60,056
+HK$3,007/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$114,098/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,760
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,526
−HK$1,794/mo
Today · 4.125%
HK$60,320
baseline
▲ 0.50% · 4.625%
HK$63,990
+HK$3,670/mo
Deposit HK$5.33M · loan HK$12.45M · min. income ≈ HK$120,640/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,145
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,839
−HK$1,718/mo
Today · 4.125%
HK$66,557
baseline
▲ 0.50% · 4.625%
HK$70,065
+HK$3,508/mo
Deposit HK$5.33M · loan HK$12.45M · min. income ≈ HK$133,114/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,978
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$75,248
−HK$2,306/mo
Today · 4.125%
HK$77,554
baseline
▲ 0.50% · 4.625%
HK$82,273
+HK$4,719/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$155,108/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,187
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,364
−HK$2,209/mo
Today · 4.125%
HK$85,573
baseline
▲ 0.50% · 4.625%
HK$90,084
+HK$4,511/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$171,146/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,753 · Scale 2, in force from 26 Feb 2026)